Best Credit Cards for Airport Lounge Access

All Travel Business Hotel Airline No Annual Fee Premium Cash Back

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The Platinum Card® from American Express

Amex American Express Membership Rewards

Annual fee: $895
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$3,325Total$3,325Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $3,325
Welcome offerAfter $12,000 in 6 months: 175,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $895/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Current welcome offer of 80,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

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Rewards: Rate
Travel: 5x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 175,000 points

Cons

High annual fee ($895)

Unlock Premium Travel & Lifestyle Benefits with The Platinum Card^® from American Express

Welcome Offer: 80,000 Membership Rewards^® points after spending $8,000 in eligible purchases in your first 6 months of Card Membership.

The Platinum Card^® from American Express delivers exceptional value for travelers and lifestyle enthusiasts. With this premium card, you’ll enjoy:

5X Membership Rewards^® points on flights and prepaid hotels booked through American Express Travel^®
Global Lounge Collection^® access to over 1,550 airport lounges including Centurion Lounges and Delta Sky Clubs^®
$600 Hotel Credit annually on Fine Hotels + Resorts^® or The Hotel Collection bookings
$400 Resy Credit plus exclusive Platinum Nights by Resy restaurant reservations
$320 Uber benefits ($200 Uber Cash + $120 Uber One membership credits)
$300 Digital Entertainment Credit ($25 monthly for eligible streaming services)
$300 lululemon Credit ($75 quarterly)
$209 CLEAR^® Plus Credit annually
$200 Airline Fee Credit with your selected qualifying airline
$155 Walmart+ Credit for monthly membership
$100 Saks Fifth Avenue Credit ($50 semi-annually)

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Capital One Venture X Rewards

Capital One Capital One Miles

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,388Total$1,388Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,388
Welcome offerAfter $4,000 in 3 months: 75,000 points

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck

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Benefits
Airport lounges: Included
NEXUS: Included
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $2,000
Trip Interruption: $2,000
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (primary): $75,000 · 15 days

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Pros

Welcome bonus of 75,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

Elevate Your Travel at a Value: Capital One Venture X Rewards Credit Card

10X miles on hotels & rental cars booked through Capital One Travel
5X miles on flights & vacation rentals through Capital One Travel
2X miles on all other purchases
$395 annual fee, with up to $300 annual travel credit for portal bookings
10,000 anniversary bonus miles (worth $100) each year
Global Entry/TSA PreCheck credit up to $100 every four years
Unlimited lounge access at Capital One & Priority Pass lounges
No foreign transaction fees

Perfect for frequent explorers, this card’s robust benefits—from statement credits to lounge access—easily offset its annual fee. Book your next adventure, relax in premium lounges and enjoy seamless digital tools, all while earning unlimited rewards on every dollar spent.

Terms apply. See issuer’s website for rates, fees and complete details.

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The Business Platinum Card® from American Express

Business Amex American Express Membership Rewards

Annual fee: $895
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$5,700Total$5,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $5,700
Welcome offerAfter $20,000 in 3 months: 300,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $895/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Elevated Welcome Offer: Earn up to 300,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel^™.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

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Rewards: Rate
Travel: 5x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 300,000 points

Cons

High annual fee ($895)

Unlock Premium Business Travel Benefits with The Business Platinum Card^® from American Express

Elevated Welcome Offer: Earn up to 300,000 Membership Rewards^® points after you spend $20,000 in eligible purchases within the first 3 months of Card Membership!

The Business Platinum Card^® from American Express delivers exceptional value that can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds. With this premium business card, you’ll enjoy:

Access to 1,550+ airport lounges across 140 countries with the American Express Global Lounge Collection^®
Up to $600 in statement credits annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings
Up to $200 Airline Fee Credit with your selected qualifying airline
Up to $200 back annually on eligible Hilton purchases (for Hilton For Business members)
Up to $209 back annually on CLEAR^® Plus Membership
Up to $1,150 in Dell Technologies credits ($150 statement credit plus an additional $1,000 after spending $5,000+)
$250 Adobe credit after spending $600+ per calendar year
Up to $360 back annually for purchases with Indeed
Up to $120 back annually for wireless telephone services

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Delta SkyMiles® Reserve Business Card

Business Amex Delta SkyMiles

Annual fee: $650
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,400Total$2,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,400
Welcome offerAfter $20,000 in 6 months: 200,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $650/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles Reserve Members receive 15 Visits each Medallion Year to the Delta Sky Club and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles Reserve Business American Express Card.
Terms and limitations apply.

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Rewards: Rate
Delta flights: 3x
Transit: 1.5x
Office: 1.5x

Benefits
Airport lounges: 15 visits/yr
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $1,250
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($650)

Power Your Business Journeys with the Delta SkyMiles^® Reserve Business American Express^® Card

70,000 bonus miles after $6,000 in purchases within your first 6 months
3X miles on Delta purchases and direct hotel bookings
1.5X miles on U.S. shipping, transit and select business expenses
15 Delta Sky Club^® lounge visits per Medallion^® year plus four guest passes
Up to $200 annual statement credit for Delta in‑flight purchases
Global Entry/TSA PreCheck^® credit up to $100 every four years
Priority boarding and free first checked bag for you and up to eight companions
$650 annual fee; no foreign transaction fees

Designed for entrepreneurs who fly Delta often, this card accelerates your miles on core travel and business categories while delivering premium lounge access and travel credits that offset the fee. Enjoy seamless expense management with employee cards at no extra cost, enhanced meeting productivity in Sky Club lounges, and automatic reimbursement for your trusted security screening program. Redeem miles flexibly for award flights or statement credits, and watch your business take off with every dollar spent.

Terms apply. Welcome bonus, lounge access and credits require qualifying purchases. See issuer’s site for full details.

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Sapphire Reserve for Business℠

BusinessChaseChase Ultimate Rewards

Annual fee: $795
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$4,100Annual credit$300Total$4,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $4,400
Welcome offerAfter $30,000 in 6 months: 200,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $795/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel^SM, plus $2,500+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel^SM for airline tickets, hotels, including The Edit^SM, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass^TMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

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Rewards: Rate
Travel: 4x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $75,000 · 31 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($795)

Elevate Your Business Travel with the Chase Sapphire Reserve for Business℠

200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening
8x points on Chase Travel℠ for airline tickets, hotels including The Edit℠, car rentals, cruises, activities and tours
5x total points on Lyft rides through 9/30/27
4x points on flights & hotels booked direct
3x points on social media & search engine advertising
1x point on all other purchases
Up to $300 in statement credits each anniversary year on travel purchases
Chase Sapphire Lounge® by The Club and Priority Pass™ Select — two guests may accompany the Primary Cardmember free of charge
$795 annual fee

Access more than $7,000 in total business and travel value in your first year: 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.

Terms apply. See issuer for complete details and eligibility.

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Capital One Venture X Business

Business Capital One Capital One Miles

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,775Total$2,775Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,775
Welcome offerAfter $30,000 in 3 months: 150,000 points

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One’s travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One’s travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month

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Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $1,500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary, primary for business rentals, primary abroad): 31 days
Price protection: ✓

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Pros

Welcome bonus of 150,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

Elevate Your Business Travel with the Capital One Venture X Business Card

150,000 bonus miles after $30,000 in purchases within 3 months
10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights and vacation rentals booked through Capital One Travel
2X miles on all other purchases, everywhere
$300 annual travel credit for bookings through Capital One Travel
$120 statement credit for TSA PreCheck^® or Global Entry^® application fee
Unlimited lounge access at 1,300+ Priority Pass and Capital One lounges
$100 experience credit on Premier Collection hotel and vacation rental bookings
No foreign transaction fees
$395 annual fee
Charge card: pay your balance in full each month

This card is tailored for business owners who value premium travel perks and powerful earning rates. Flexibly redeem miles through Capital One Travel or transfer to leading airline and hotel partners. Between generous credits, lounge access and elevated rewards, you’ll more than offset the annual fee and enjoy a seamless global journey.

Terms apply. Welcome bonus and credits require minimum spending. See issuer’s site for full details.

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Citi® / AAdvantage® Executive World Legend Mastercard®

CitibankAAdvantage

Annual fee: $695
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,812Total$1,812Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,812
Welcome offerAfter $15,000 in 5 months: 125,000 miles

Features
Issuer: Citibank
Network
Program: AAdvantage

Fees and terms
Annual Fee: $695/yr
Min. annual income: —

Issuer terms

For a limited time, earn 125,000 American Airlines AAdvantage bonus miles after spending $15,000 within the first 5 months of account opening.
Admirals Club membership for you and access for up to two guests or immediate family members traveling with you
No Foreign Transaction Fees on purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation

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Rewards: Rate
American Airlines flights: 4x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +2 years
Auto Rental Collision: $75,000 · 31 days

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Pros

Welcome bonus of 125,000 miles

Cons

High annual fee ($695)

Unlock Elite Perks with the Citi^® / AAdvantage^® Executive World Legend Mastercard^®

125,000 bonus miles (limited time) after $15,000 in purchases within 5 months
4X miles on eligible American Airlines purchases (fares, bags, in‑flight)
12X miles on hotels & car rentals booked through American Airlines
1X mile on all other spending
Complimentary Admirals Club^® membership for you + immediate family or up to two guests
Free first checked bag for you and up to eight companions
25% back on in‑flight purchases as a statement credit
TSA PreCheck^®/Global Entry^® credit up to $120 every four years
No foreign transaction fees
$695 annual fee

Designed for frequent flyers, this premium card transforms every trip into a suite of VIP privileges. Earn accelerated miles on flights, hotels and rentals while enjoying unlimited lounge access and priority boarding. Knock checked‑bag fees off your list and get rewarded for onboard purchases. Plus, breeze through security with your application fee reimbursed and travel with confidence thanks to comprehensive trip protections. Manage your account and view your rewards seamlessly in the Citi Mobile^® app.

Terms apply. Welcome bonus, earning rates, credits and protections require qualifying purchases and enrollment where applicable. See issuer for full details.

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The New United Club℠ Business Card

BusinessChase United MileagePlus

Annual fee: $695
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offerAfter $5,000 in 3 months: Up to 100,000 miles

Features
Issuer: Chase
Network
Program: United MileagePlus

Fees and terms
Annual Fee: $695/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Read full review

Rewards: Rate
United flights: 2x

Benefits
Airport lounges: Included
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $300
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

Read full review

Pros

Welcome bonus of 100,000 miles

Cons

High annual fee ($695)

Elevate Your Business Travels with the United Club℠ Business Card

Up to 100,000 bonus miles + 2,000 Premier qualifying points: 90,000 miles and 2,000 PQP after you spend $5,000 in the first 3 months
10,000 bonus miles when you add an employee card within 3 months
7× total miles on United flights (5× on base fare + 2× on the rest of the ticket)
5× miles on hotel stays at Renowned Hotels & Resorts when prepaid via United
2× miles on all other eligible United purchases
1.5× miles on every other purchase
Free first and second checked bags on United flights (save up to $360 roundtrip)
Complimentary United Club℠ membership for you + up to two adult guests (or one adult + children under 21)
No foreign transaction fees

Perfect for busy executives and entrepreneurs who fly United regularly, this card combines powerful earnings with premium lounge access and travel perks that more than justify the annual fee. Streamline your trips with free checked bags, unlock airport comfort in United and Star Alliance lounges, and accelerate your way to elite status—all while earning miles on every dollar you spend.

Terms apply. Offer and PQP bonus available after $5,000 spend in 3 months; employee card bonus requires addition within 3 months. Annual fee $695. Variable APR 20.49%–28.99%. See issuer terms for full details.

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Chase Sapphire Reserve®

ChaseChase Ultimate Rewards

Annual fee: $795
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,050Annual credit$300Total$2,350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,350
Welcome offerAfter $6,000 in 3 months: 100,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $795/yr
Additional card: $195
Min. annual income: —

Issuer terms

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass^™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years.
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
Member FDIC

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Rewards: Rate
Travel: 4x
Restaurants: 3x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (primary): $75,000 · 31 days

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Pros

Welcome bonus of 100,000 points
3x at restaurants

Cons

High annual fee ($795)

Experience Luxury Travel with the Chase Sapphire Reserve^® Credit Card

125,000 bonus points after $6,000 in purchases in the first 3 months
8X points on travel booked through Chase Travel℠; 4X points on direct airline and hotel bookings
3X points on dining and eligible delivery services; 1X point on all other purchases
$300 annual travel credit automatically applied to travel purchases
Complimentary lounge access with Priority Pass^™ Select and Chase Sapphire Lounges for you +2 guests
Up to $300 in annual credits for dining at Exclusive Tables and stays with The Edit
$120 Global Entry/TSA PreCheck^® credit every four years
No foreign transaction fees
$795 annual fee

From premium lounge retreats to robust trip protections—cancellation, interruption, auto rental and baggage insurance—this card lets you travel with confidence. Manage your account seamlessly in the Chase app, tap to pay with contactless security, and let automatic credits offset the annual fee for high‑value perks all year long.

Terms apply. See issuer for complete details and eligibility.

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The New United Club℠ Card

Chase United MileagePlus

Annual fee: $695
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,080Total$1,080Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,080
Welcome offerAfter $5,000 in 3 months: 90,000 miles

Features
Issuer: Chase
Network
Program: United MileagePlus

Fees and terms
Annual Fee: $695/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 80,000 bonus miles.
4x miles on United^® purchases.
2x miles on dining and all other travel.
1x mile on all other purchases.
United ClubSM card membership (at least a $750 value).
Free first and second checked bags (terms apply) and Premier Access^® travel services.
10,000-mile award flight discount after $20,000 in purchases (up to 2x per calendar year).
Member FDIC

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Rewards: Rate
United flights: 5x
Restaurants: 2x
Transit: 2x
Travel: 2x

Benefits
Airport lounges: Included
NEXUS: $120
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $300
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (primary): $60,000 · 31 days

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Pros

Welcome bonus of 90,000 miles
2x at restaurants

Cons

High annual fee ($695)

Elevate Every Journey with The United Club℠ Infinite Card

80,000 bonus miles after $5,000 in purchases within 3 months
4X miles per $1 on United purchases
2X miles per $1 on dining and all other travel
1X mile per $1 on all other purchases
Complimentary United Club℠ membership for you and eligible guests
Free first and second checked bags for you and a companion on United flights
Premier Access℠ airport services, including priority boarding
Up to $120 Global Entry or TSA PreCheck^® credit every four years
25% back on in‑flight purchases
Up to two 10,000‑mile award flight discounts each year
No foreign transaction fees
$695 annual fee

Ideal for frequent United flyers, this premium card transforms travel into a seamless experience. Earn accelerated miles on every United purchase and enhance your airport journey with lounge access, priority services and complimentary bags. Annual credits and award discounts help offset the fee, while robust travel protections and intuitive online tools keep you covered and in control. Make every trip more rewarding and comfortable.

Terms apply. Bonus miles, credits and benefits require qualifying purchases. Annual fee applies. See issuer for complete details.

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Complete Guide

Get into airport lounges with the right credit card. Compare Amex Centurion, Capital One Lounges, Priority Pass, Delta Sky Club, and more.

Airport lounges offer a calm escape from the terminal chaos with free food, drinks, Wi-Fi, and comfortable seating. The right credit card gives you complimentary access.

Lounge Network Comparison

Amex Platinum: Centurion Lounges (best US domestic lounges) + Priority Pass + Delta Sky Club on Delta flights. Capital One Venture X: Capital One Lounges (top-tier) + Priority Pass with 2 free guests. Chase Sapphire Reserve: Priority Pass with 2 free guests. Delta Reserve: Unlimited Delta Sky Club access.

Cards analyzed

Oct 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which card has the best lounge access?

Amex Platinum for overall breadth (Centurion + Priority Pass + Sky Club). Capital One Venture X for best value (effectively $95/yr). Delta Reserve for unlimited Sky Club without needing to fly Delta.

2Can I bring guests to lounges?

Capital One Venture X and Chase Sapphire Reserve include 2 free Priority Pass guests. Amex Platinum allows 2 free Centurion guests but charges $35/guest for Priority Pass.

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